In this article, we wanted to take a moment and try and answer some of the most common questions we get from folks applying for life insurance after they have been prescribed Estrogen, which can be prescribed for a variety of reasons, including:

• Birth control,
• Estrogen replacement or supplemental therapy (think amenorrhea or menopause),

As well as to help treat certain hormone-sensitive cancers such as breast cancer and prostate cancer.

Questions that will be directly addressed will include:

• Can I qualify for life insurance after I’ve been prescribed Estrogen?
• Why do life insurance companies care if I’ve been prescribed Estrogen?
• What kind of information will the insurance companies ask me or be interested in?
• What rate (or price) can I qualify for?
• What can I do to help ensure that I get the “best life insurance” for me?

So, without further ado, let’ dive right in!

Can I qualify for life insurance after I’ve been prescribed Estrogen?

Yes, individuals who have been prescribed Estrogen can and often will be able to qualify for a traditional term or whole life insurance policy.  In fact, most will also be eligible for a Preferred Plus rate assuming that they would otherwise be eligible. The main reason for this is that the vast majority of individuals who are prescribed Estrogen are prescribed it as a form of birth control and not for any other reasons which might cause a life insurance company to become nervous.

Why do life insurance companies care if I’ve been prescribed Estrogen?

Life insurance companies aren’t really going to “care” all that much about the fact that you have been prescribed Estrogen unless you’ve been prescribed it to help you treat some other kind of pre-existing medical condition rather than simply as a birth control method.

And because…

Insurance companies aren’t going to be on the “lookout” for Estrogen as a potential “red flag” during a traditional term or whole life insurance application; there is a really good chance that you may not be asked about your Estrogen prescription at all unless of course you have also been diagnosed with some other kind of pre-existing medical condition which has warranted your Estrogen prescription.

This is why, during a traditional life insurance application, insurance companies will ask you a series of medical questions all designed to help them determine what “kind” of risk you may pose to them should they decide to approve your application for coverage.

What kind of information will the insurance companies ask me or be interested in?

The “kinds” of questions you’ll likely be asked during a life insurance application after having been prescribed Estrogen are not going to look any different than they would for any one else just applying for coverage, it’s just depending on “how” you answer could trigger some additional questioning about your Estrogen prescription.

For example:

Most folks will be asked if they have ever been diagnosed with any serious medical conditions such as heart disease, cancer, or diabetes.  Now, if you’ve been diagnosed with cancer, and Estrogen was one of the medications that helped you treat that cancer, there is a significant possibility that the insurance companies will want to know a lot more about “how” it helped and whether or not you are currently in remission.

Or…

Maybe you’re simply using your Estrogen to help you deal with symptoms associated with Menopause.  If this is the case, questions like:  Have you been admitted into a hospital in the last 2 years?  Or are you taking any additional medications right now?  May you provide additional insight on how well you are coping with menopause and whether or not it has caused you to suffer from any injuries related to bone loss?

The good news is that…

These two cases that we’ve just discussed are certainly not what one would consider the “norm” when it comes to individuals who have been prescribed Estrogen, which is why most life insurance companies don’t spend all that much time considering its usage during a life insurance application. However, they will still use “traditional” questions to screen for these “kinds” of Estrogen users.

That said, however…

Even if you have been prescribed Estrogen for one of these two reasons, that doesn’t mean that you won’t be able to qualify for a traditional life insurance policy; it just means that you’re definitely going to want to work with an insurance professional who is familiar with help folks like yourself qualify for coverage. This brings us to the last topic that we wanted to discuss here in this article, which is…

What can I do to help ensure that I get the “best life insurance” for me?

Because life insurance companies tend to use a lot of “random” factors in determining who they will and won’t insure and at what price, we here at IBUSA have found that the “best” way for us to be able to ensure that our clients are able to find the “best” life insurance policy that they can qualify for is to be sure to know our STUFF and offer a TON of options.

You see, by only employing true life insurance professionals who have tons of experience helping folks with all sorts of pre-existing medical conditions and then providing them with tons of options to offer their clients, we here at IBUSA truly do offer a one-stop shop for folks looking to protect their family.

Which is why…

Our advice to anyone looking to purchase a life insurance policy is to be sure that the insurance agent that they choose to work with is truly an expert and that he or she has dozens of options for you to consider because even if they are the greatest life insurance agent in the world if they don’t have access to the “best” life insurance policy for you what good is that going to do you?

So, what are you waiting for?  Give us a call today, and let us earn the right to protect your family today!